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Deferred Annuity
Deferred Annuity is usually for those at wealth accumulation age – premium is paid for a period of time for accumulation before annuity income starts. A deferred annuity product that satisfies the Insurance Authority (IA)’s criteria can be qualified as Qualifying Deferred Annuity Policy (QDAP). 10Life rates QDAP and other deferred annuity products here, assuming the policyholder starts paying premium at age 45 for retirement planning purpose
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BOC Life | BOC Life Deferred Annuity (Lifetime)
10-year premium termAge 60 to whole lifeQDAP
9.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.00%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.90%
Projected Internal Rate of Return for death at age 85
Sun Life | Foresight Deferred Annuity Plan
10-year premium termAge 65 - 100QDAP
9.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.60%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.20%
Projected Internal Rate of Return for death at age 85
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Chubb | Chubb FlexiLiving Deferred Annuity Plan
10-year premium termAge 65 - 100QDAP
9.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.50%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.10%
Projected Internal Rate of Return for death at age 85
Sun Life | Foresight Deferred Annuity Plan
10-year premium termAge 65 - 85QDAP
8.2/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.50%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.00%
Projected Internal Rate of Return for death at age 85
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FTLife | Prosperous Deferred Annuity Plan
9-year premium termAge 65 - 95QDAP
8.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.10%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.60%
Projected Internal Rate of Return for death at age 85
YF Life | MY Deferred Annuity
10-year premium termAge 65 - 85QDAP
7.9/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.10%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.70%
Projected Internal Rate of Return for death at age 85
FTLife | Prosperous Deferred Annuity Plan
9-year premium termAge 65 - 85QDAP
7.5/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 1.90%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.70%
Projected Internal Rate of Return for death at age 85
Manulife | ManuLeisure Deferred Annuity
10-year premium termAge 65 - 85QDAP
7.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 1.70%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.20%
Projected Internal Rate of Return for death at age 85
Generali | LionHarvest Pro Deferred Annuity
10-year premium termAge 65 - 75QDAP
7.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
New
Guaranteed IRR at age 85 : 2.50%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.00%
Projected Internal Rate of Return for death at age 85
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Sun Life | Foresight Deferred Annuity Plan
10-year premium termAge 65 - 75QDAP
7.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.30%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.80%
Projected Internal Rate of Return for death at age 85
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Deferred Annuity
9.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
BOC Life | BOC Life Deferred Annuity (Lifetime)
10-year premium termAge 60 to whole lifeQDAP
Guaranteed IRR at age 85 : 2.00%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.90%
Projected Internal Rate of Return for death at age 85
9.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Sun Life | Foresight Deferred Annuity Plan
10-year premium termAge 65 - 100QDAP
Guaranteed IRR at age 85 : 2.60%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.20%
Projected Internal Rate of Return for death at age 85
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9.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Chubb | Chubb FlexiLiving Deferred Annuity Plan
10-year premium termAge 65 - 100QDAP
Guaranteed IRR at age 85 : 2.50%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.10%
Projected Internal Rate of Return for death at age 85
8.2/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Sun Life | Foresight Deferred Annuity Plan
10-year premium termAge 65 - 85QDAP
Guaranteed IRR at age 85 : 2.50%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.00%
Projected Internal Rate of Return for death at age 85
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8.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
FTLife | Prosperous Deferred Annuity Plan
9-year premium termAge 65 - 95QDAP
Guaranteed IRR at age 85 : 2.10%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.60%
Projected Internal Rate of Return for death at age 85
7.9/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
YF Life | MY Deferred Annuity
10-year premium termAge 65 - 85QDAP
Guaranteed IRR at age 85 : 2.10%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.70%
Projected Internal Rate of Return for death at age 85
7.5/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
FTLife | Prosperous Deferred Annuity Plan
9-year premium termAge 65 - 85QDAP
Guaranteed IRR at age 85 : 1.90%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.70%
Projected Internal Rate of Return for death at age 85
7.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Manulife | ManuLeisure Deferred Annuity
10-year premium termAge 65 - 85QDAP
Guaranteed IRR at age 85 : 1.70%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.20%
Projected Internal Rate of Return for death at age 85
7.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
New
Generali | LionHarvest Pro Deferred Annuity
10-year premium termAge 65 - 75QDAP
Guaranteed IRR at age 85 : 2.50%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.00%
Projected Internal Rate of Return for death at age 85
Quote Now
7.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Sun Life | Foresight Deferred Annuity Plan
10-year premium termAge 65 - 75QDAP
Guaranteed IRR at age 85 : 2.30%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.80%
Projected Internal Rate of Return for death at age 85
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Remarks:

  1. The above premium excludes insurance levy collected by the Insurance Authority.
  2. The information on 10Life is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice or solicitation to buy insurance, financial or investment products. 10Life Product Ratings and Scores are mathematical calculations based on public product information and assumptions for generic customer segments. The Product Ratings and Scores DO NOT reflect YOUR personal needs. 10Life hereby excludes any liability arising from using the information and will not make warranty or guarantee on the accuracy, completeness and timeliness of the information or for any claims and / or losses caused thereby. You should seek independent professional advice and review the insurance product information carefully before purchasing any insurance products. The information shown in the communications placed on 10Life does not constitute an offer or solicitation for the purchase or sale of any banking or insurance products or services.

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